I joined this bank a few years ago, for its great low fees and for it being a local bank. Lately the fees are no better than a regular bank. Employees seem miserable most of the time at my local branch. We recently switched to a regular bank for our main banking, the fees were better, customer service is great, and we got free overdraft, which is not offered at SEFCU.

PROS: small, local
CONS: fees are going up up up, often long waits in line, staff not too friendly

I joined this bank a few years ago, for its great low fees and for it being a local bank. Lately the fees are no better than a regular bank. Employees seem miserable most of the time at my local branch. We recently switched to a regular bank for our main banking, the fees were better, customer service is great, and we got free overdraft, which is not offered at SEFCU.

PROS: small, local
CONS: fees are going up up up, often long waits in line, staff not too friendly

This branch of the SEFCU Credit Union is convienently located on Western Avenue in Guilderland, NY. They provide all the banking services necessary as well as provide a notary. They are friendly and fast, but there are many rules that they use that my old bank never did. They call their accounts by interesting names that are difficult to remember, such as S1, S2.... Overall their quality is good, and you no longer need to be a State worker to join, you just have to live or do business in the Capital region of New York State.

PROS: Free gourmet coffee and tea in their lobby provided
CONS: Many rules that don't make sense if you've been banking at a regular bank.

This branch of the SEFCU Credit Union is convienently located on Western Avenue in Guilderland, NY. They provide all the banking services necessary as well as provide a notary. They are friendly and fast, but there are many rules that they use that my old bank never did. They call their accounts by interesting names that are difficult to remember, such as S1, S2.... Overall their quality is good, and you no longer need to be a State worker to join, you just have to live or do business in the Capital region of New York State.

PROS: Free gourmet coffee and tea in their lobby provided
CONS: Many rules that don't make sense if you've been banking at a regular bank.

Was this review helpful to you?

Wait, you're the expert.

If you've been to or used
SEFCU, leave a review.

It's easy, only takes a couple of minutes and you'll help thousands make an informed decision.